Terms and Conditions

The following Terms and Conditions govern the contractual relationship between Norman AI GmbH, Kolonnenstr. 8, 10827 Berlin (hereinafter "Norman" or "Provider") and the customer (hereinafter "Customer" or "User") regarding the use of the web-based accounting application Norman (the "App") and the associated website norman.finance. By registering for and using the App, the Customer agrees to these Terms and Conditions. Last updated: March 2026.

1. Scope of Services

1.1 Norman provides the Customer with a web-based software solution (SaaS) for accounting, receipt processing, invoicing, and tax preparation.

1.2 The scope of features depends on the subscription plan selected (Free, Plus, Pro). The current service description is available on the pricing page at norman.finance/de/en/pricing.

1.3 Norman reserves the right to further develop and improve the functionality of the App, provided that the essential features of the subscribed plan are maintained.

1.4 Free features and the Free plan may be restricted or discontinued at any time. Norman will inform the Customer with reasonable notice.

1.5 The App uses artificial intelligence for automatic receipt recognition, transaction categorization, and tax proposal generation. AI-generated results do not constitute tax or legal advice. The Customer is responsible for reviewing and approving all AI-generated suggestions.

2. Rights of use to the App

2.1 Norman grants the Customer a simple, non-transferable, non-sublicensable right to use the App as intended under these Terms and Conditions for the duration of the contractual relationship.

2.2 The Customer may only use the App for their own business or personal accounting purposes. Use on behalf of third parties is only permitted within the scope of proper client management (e.g., by tax advisors), to the extent supported by the App.

2.3 The Customer is prohibited from copying, decompiling, reverse engineering, disassembling, creating derivative works, or otherwise attempting to determine the source code of the App or any part thereof.

3. Service Agreement

3.1 Norman endeavors to ensure an App availability of 99.5% on an annual average. Excluded from this are scheduled maintenance work, which is carried out outside of business hours where possible, as well as disruptions beyond Norman's control (e.g., force majeure, hosting provider outages).

3.2 Norman performs regular backups of customer data. Backups serve disaster recovery purposes and do not constitute a separate archiving service.

3.3 Norman will inform the Customer of scheduled maintenance that may result in App unavailability at least 48 hours in advance where possible.

4. Intellectual Property

4.1 All rights to the App, including all software components, AI models, algorithms, designs, texts, and graphics, remain with Norman or the respective licensors.

4.2 The Customer retains all rights to data entered or imported into the App. Norman acquires only a right of use to such data insofar as this is necessary for the provision of the contractual services.

4.3 Norman is entitled to use anonymized and aggregated usage data for the improvement of the App and for statistical purposes, provided that no conclusions about the individual Customer are possible.

5. Data Privacy

5.1 Norman processes the Customer's personal data exclusively in accordance with the General Data Protection Regulation (GDPR) and applicable German data protection laws.

5.2 Details on data processing are set out in the Privacy Policy at norman.finance/de/en/privacy-policy.

5.3 Insofar as Norman processes personal data on behalf of the Customer, the parties shall enter into a separate data processing agreement pursuant to Art. 28 GDPR.

6. Duties and Obligations of the Customer

6.1 The Customer undertakes to provide truthful and complete information during registration and to keep this information up to date.

6.2 The Customer is responsible for the security of their access credentials. The Customer shall keep their password confidential and inform Norman immediately of any unauthorized use of their account.

6.3 The Customer is responsible for ensuring that data entered or imported into the App has been lawfully collected and that its processing by Norman does not violate applicable law.

6.4 The Customer undertakes not to use the App for unlawful purposes and not to upload any content that violates applicable law.

6.5 The AI-assisted features of the App do not replace professional tax or legal advice. The Customer remains responsible for the accuracy of their tax information and declarations vis-a-vis the tax authorities.

7. Liability and Warranty

7.1 Norman is liable without limitation for damages arising from injury to life, body, or health based on a breach of duty by Norman or an intentional or negligent breach of duty by a legal representative or vicarious agent of Norman.

7.2 Norman is liable without limitation for other damages based on an intentional or grossly negligent breach of duty by Norman or an intentional or grossly negligent breach of duty by a legal representative or vicarious agent of Norman.

7.3 In cases of slight negligence, Norman is only liable for the breach of a material contractual obligation (cardinal obligation). In this case, liability is limited to the foreseeable, contract-typical damage.

7.4 Norman is not liable for the substantive accuracy of suggestions, categorizations, or tax calculations generated by AI features. These serve only as support and do not replace professional advice.

7.5 Norman is not liable for damages caused by interruptions, disruptions, or failure of the App insofar as these are attributable to circumstances beyond Norman's control.

8. Right of Withdrawal of the Customer

8.1 Consumers have the right to withdraw from the contract within 14 days without giving any reason. The withdrawal period is 14 days from the date of conclusion of the contract.

8.2 To exercise your right of withdrawal, you must inform us (Norman AI GmbH, Kolonnenstr. 8, 10827 Berlin, email: support@norman.finance) of your decision to withdraw from this contract by means of a clear statement (e.g., a letter sent by post or an email).

8.3 To comply with the withdrawal period, it is sufficient to send the notification of the exercise of the right of withdrawal before the withdrawal period expires.

8.4 In the event of an effective withdrawal, the services received on both sides shall be returned. Fees already paid will be refunded on a pro-rata basis.

8.5 The right of withdrawal expires prematurely if Norman has begun the full performance of the service after the Customer has given express consent thereto and has simultaneously confirmed knowledge that they will lose the right of withdrawal upon complete performance of the contract.

9. Term and Termination of the Terms

9.1 These Terms and Conditions apply from the Customer's registration and for the duration of use of the App.

9.2 Norman reserves the right to amend these Terms and Conditions with reasonable notice. The Customer will be informed of changes by email. If the Customer does not object to the changes within 30 days of receipt of the change notification, the changes shall be deemed approved.

9.3 Norman may terminate these Terms and Conditions for good cause without notice, in particular if the Customer breaches material obligations under these Terms and Conditions.

10. Term and termination of the Service Agreement

10.1 The Free plan is unlimited in time and may be terminated at any time by deleting the account.

10.2 Paid subscriptions have the term selected at the time of purchase (monthly or annual) and are automatically renewed for the same term unless cancelled in time.

10.3 Cancellation of a monthly subscription must be made no later than the end of the respective billing period. Cancellation of an annual subscription must be made no later than 30 days before the end of the respective contract term.

10.4 Cancellation is made via the account settings in the App or by email to support@norman.finance.

10.5 After termination of the subscription, the Customer has the opportunity to export their data within 90 days. Thereafter, the data will be deleted unless statutory retention obligations apply.

10.6 The right to extraordinary termination for good cause remains reserved for both parties.

11. Extrajudicial Dispute Resolution

11.1 The European Commission provides a platform for online dispute resolution (ODR): https://ec.europa.eu/consumers/odr.

11.2 Norman is neither willing nor obligated to participate in dispute resolution proceedings before a consumer arbitration board.

12. Miscellaneous Provisions

12.1 The law of the Federal Republic of Germany applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). This choice of law applies to consumers only to the extent that it does not deprive consumers of the protection afforded by mandatory consumer protection provisions of their country of residence.

12.2 The place of jurisdiction for all disputes arising from or in connection with these Terms and Conditions is Berlin, provided that the Customer is a merchant, a legal entity under public law, or a special fund under public law.

12.3 Should individual provisions of these Terms and Conditions be or become invalid or unenforceable, the validity of the remaining provisions shall not be affected. In place of the invalid or unenforceable provision, a provision shall apply that comes closest to the economic purpose of the invalid or unenforceable provision.

12.4 Norman may transfer rights and obligations under this contract in whole or in part to third parties, provided that this does not materially impair the provision of services.